Pensacola, FL · Charter 4943
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pensacola, FL · Charter 4943
Q4 1996
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.57% | 2.82% | 2.15% | 2.37% | 2.31% | -25 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -26.63% | -27.56% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 4.30% | -17.04% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -28.49% | -29.03% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.61% | 3.47% | 3.54% | 2.96% | 1.54% | -207 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 0.58% | 1.94% | 1.74% | 1.78% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.75% | 79.02% | 88.19% | 84.92% | 81.53% | +1,178 bps | |
| Liquid Assets / Assets | 30.58% | 20.70% | 12.85% | 14.82% | 18.36% | -1,222 bps | |